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Send money to Europe

Fast, low-cost, and secure online money transfers from Finland to Europe.

Send money from Europe to Finland instead.

Over 10 million customers

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FCA regulated

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You send exactly

0 GBP
3.88 GBPOur fee
–
3.88 GBPTotal fees
=
996.12 GBPTotal amount we’ll convert
×
1.1968

Recipient gets

Should arrive by Tuesday

Get started

Save when you send money to Europe

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?

Sending 1,000 GBP with	Recipient gets(Total after fees)
	1,192.17 EUR
Transfer fee 3.88 GBP Exchange rate(1 GBP EUR) 1.19681 Exchange rate markup 0 GBP Cost of transfer 3.88 GBP

	1,169.23 EUR- 22.94 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.16923 Exchange rate markup 23.05 GBP Cost of transfer 23.05 GBP

	1,154.43 EUR- 37.74 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.15443 Exchange rate markup 35.41 GBP Cost of transfer 35.41 GBP

	1,154.23 EUR- 37.94 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.15423 Exchange rate markup 35.58 GBP Cost of transfer 35.58 GBP

	1,146.02 EUR- 46.15 EUR
Transfer fee 2.99 GBP Exchange rate(1 GBP EUR) 1.14946 Exchange rate markup 39.57 GBP Cost of transfer 42.56 GBP

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How to send money to Europe in 3 easy steps

Enter amount to send in GBP.

Pay in GBP with your debit card or credit card, or send the money from your online banking.

Choose recipient in Europe.

Select who you want to send money to and which pay-out method to use.

Send GBP, receive EUR.

The recipient gets money in EUR directly from Wise’s local bank account.

Create free account now

Get dedicated support for large transfers

Moving big money? Get our how to guide and start a chat with our team of large-amount experts.

Get started with large transfers

How to send money to Europe from Finland

Just tap in how much, and where to.
Then make a local payment to Wise, whether it's with a bank transfer, Swift or your debit or credit card.
And that's it.

Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.

How much does it cost to transfer money to Europe?

Pay a small, flat fee and percentage

To send money in GBP to Europe, you pay a small, flat fee of 0.59 GBP + 0.33% of the amount that's converted (you'll always see the total cost upfront).

Fee depends on your chosen transfer type

Some transfer types have different fees which are usually tiny.

No hidden fees

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Fees for our low cost transfers

Fixed fee

0.59 GBP

Variable feeup to 20,000 GBP/month

0.33%

Variable feemore than 20,000 GBP/month

Discount applies

How long will a money transfer to Europe take?

A money transfer from Finland (GBP) to Europe (EUR) should arrive by Tuesday. Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

GBP

EUR

Should arrive

by Tuesday

What you’ll need for your online money transfer to Europe

Register for free.

Choose an amount to send.

Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.

Add recipient’s bank details.

Fill in the details of your recipient’s bank account.

Verify your identity.

For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.

Pay for your transfer.

Send your money with a bank transfer, or a debit or credit card.

That’s it.

We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.

Best ways to send money to Europe

PISP
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Credit Card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
Swift
Using Swift to fund your transfer usually means that your transfer will take longer and be more expensive, as your bank will charge a fee. You should also bear in mind that other correspondent banks in between may also deduct their handling fees. Your bank should be able to advise on those fees.
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.

Trust Wise with safe & secure money transfers to Europe

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

Send money to Europe from Finland with the Wise app

Looking for an app to send money to Europe? Sending money is easy with Wise app.

Cheaper transfers abroad - free from hidden fees and exchange rate markups.
Check exchange rates - see on the app how exchange rates have changed over time.
Repeat your previous transfers - save the details, and make your monthly payments easier.

Learn more about the Wise app